I have 4 kids. Two are in college and 2 are still in high school. As we were all sitting at the same table recently for Thanksgiving, I thought to myself, I really love having my kids around, even if it’s only for a few short days during Thanksgiving break.

But it also reinforced two things I know are absolute truths. First, I definitely do not want to live with them when I get older. And second, they definitely do not want me to live with them when I get older!

Sorry kids, but that’s how I feel. Now, I’m in the business of helping folks plan for retirement, so I believe I’ve got a good plan, and it won’t come to that, no matter what curveballs life throws at me. Even if it did, with 4 kids, the odds are decent one of them would take me in!

But I’m guessing you aren’t in the retirement planning business. And if you have kids, I’m sure you love yours as much as I do but that you’d rather not have to rely on them financially or otherwise as you get older.

If you don’t have kids, the question is even more daunting. Who would take care of you if something happened to you financially or medically?

So as the holidays keep coming and you’re out there fighting the crowds at the stores buying gifts for friends and especially for family, maybe even for your kids or grandkids, take a minute to ask yourself…

Are you absolutely certain you have a plan in place to be self-sufficient throughout your entire retirement?

If not, there’s no time like the present to give yourself the gift of peace of mind.

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